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Simple Choice Whole Life Insurance

Relax and feel more confident about your family's financial future with this lifetime protection1 and premiums that never increase.

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Why Choose Simple Choice?

Whole life insurance helps provide life insurance protection for your loved ones, guaranteed for your entire life, while building cash value that grows tax-deferred2. Knowing your family receives the benefits of permanent coverage, as long as scheduled payments are made, may let you enjoy peace of mind. You’ve worked hard to provide a good life for them, and that should never have to change.

Benefits of Simple Choice Whole Life Insurance

Our product offerings can provide you and your family with these additional benefits:

  • Permanent life insurance protection for your loved ones with a death benefit for your beneficiary that is generally tax-free
  • Cash value that grows tax-deferred available to use during your lifetime2
  • Potential dividends3 or "return of premium" payouts
  • Fixed premium payments guaranteed not to increase 
  • Riders that can be added to the policy for additional coverage
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Could This Whole Life Policy Be Right for You?

Simple Choice Whole Life insurance may be a good alternative for people in a variety of life stages and situations. Here are a few examples:

  • You receive term insurance through work and wish to supplement it with your own permanent coverage.
  • You want to make sure your loved ones can stay in your family's home and continue to pay the mortgage should you pass away unexpectedly.
  • You plan to help your child with college tuition and want a life insurance policy offering cash value growth over time that you can use toward this expense.
  • You own a small business partnership and want to be sure your partner has a way to purchase your half of the business should you die unexpectedly.
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Details About This Permanent Life Insurance

Simple Choice Whole Life offers you a choice of three products:

  • Simple Choice 20: Premiums payable for 20 years
  • Simple Choice 65: Premiums payable to age 65
  • Simple Choice 100: Premiums payable to age 100

While not guaranteed, our whole life insurance policy may earn you dividends, which are a return of some of your premium. You can choose how to receive your dividends; you can get paid in cash or use them to offset premium payments or purchase additional coverage.

Riders, or optional add-on coverage for your policy, are available to you at an extra cost. An Accelerated Death Benefit Plus Rider provides you with the flexibility of being able to access, under certain conditions, a portion of a policy's death benefit before the insured dies. You may use the funds for any purpose, and in many instances, benefits are generally tax-free. Other available riders include Accidental Death Benefit, Children's Term Insurance and Waiver of Premium.

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Consider Simple Choice Whole

Learn about our whole life insurance policy, and determine if it's the best choice for your needs.


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1 As long as premiums are paid

2 Loans will accrue interest. Loans and withdrawals may generate an income tax liability, reduce account value and the death benefit, and may cause the policy to lapse. The policy may be issued as a modified endowment contract (MEC) for tax purposes. Any withdrawals or surrenders could result in a taxable event. Keep in mind that cash values may take years to accumulate, unless a large premium is paid up front.

3 Dividends are not guaranteed and may change at any time.

Whole Life Insurance Policy Series ICC21 2103-110 issued by The Western and Southern Life Insurance Company. Accelerated Death Benefit Plus rider series ICC19 1903-621 and Accelerated Death Benefit rider series 1308-620, Accidental Death Benefit Rider9401-540, Children’s Term Life Insurance Rider 1103-675, Owner Waiver of Premium Rider ICC19 1903-700, Waiver of Premium Rider ICC19 1903-581 issued by The Western and Southern Life Insurance Company, Cincinnati, Ohio, which operates in DC and all states except AK, ME, MA, and NY.

The ADBR rider is generally automatically included on a life insurance policy at no additional premium subject to underwriting and state availability. The cost of the rider is built into the life insurance premium, though if exercised, the lien created incurs interest unless repaid. The rider allows an advance to be paid against a portion of the death benefit in the form of a lien or loan against the policy provided the insured is diagnosed with a qualifying chronic or terminal illness. Rider terms vary by type of life insurance and state. The type of illness determines the maximum advance amount available. There are no restrictions on how the money from the ADBR can be used after payment. The ADBR is added at no additional premium (although a fee of up to $250 may be charged for an advance payment). Receipt of accelerated benefit payments may adversely affect the recipient's eligibility for Medicaid or other government benefits or entitlements. They may also be considered taxable by the Internal Revenue Service. You should contact your personal tax advisor for assistance.

These policies and benefits may not be available in all states, and benefits may vary by state.

Payment of benefits under the life insurance policy is the obligation of, and is guaranteed by, the issuing company. Guarantees are based on the claims-paying ability of the issuer. Products are backed by the full financial strength of the issuing company.

Life insurance policies contain certain exclusions, limitations, reductions of benefits and terms for keeping them in force. Please contact a financial representative for complete details.

Life insurance products are not bank products, are not a deposit, are not insured by the FDIC, nor any other federal entity, have no bank guarantee, and may lose value.